Turn gross income into disposable income (ready to spend), then allocate it, measure your savings rate, and compare salary-raise scenarios.
Educational information, not financial advice. This calculator only computes from the numbers you enter and does not determine anyone’s tax or contribution amounts.
Result: —
Monthly equivalent: —
Example: Rp120,000,000 − Rp15,000,000 − Rp3,000,000 = Rp102,000,000/year = Rp8,500,000/month.
| Category | Per year | Per month |
|---|---|---|
| Needs | — | — |
| Wants | — | — |
| Savings | — | — |
Example 50/30/20 of Rp102,000,000: needs Rp51,000,000/yr (Rp4,250,000/mo), wants Rp30,600,000/yr (Rp2,550,000/mo), savings Rp20,400,000/yr (Rp1,700,000/mo).
Savings rate: —
Amount saved: —
Example: (Rp102,000,000 − Rp80,000,000) ÷ Rp102,000,000 = 21.57%.
| Scenario A | Scenario B | |
|---|---|---|
| Disposable/year | — | — |
| Disposable/month | — | — |
Disposable difference: —
Relative change: —
Example: a 10% gross raise (Rp120M → Rp132M) with taxes and contributions rising proportionally gives Rp112,200,000 disposable — a +Rp10,200,000/year difference (+Rp850,000/month).
This calculator uses the standard economic definition: disposable income is income after taxes and mandatory contributions — the amount truly ready to spend or save. The calculator does not compute taxes automatically; enter your tax figures (for example income tax) and contributions (for example health or social insurance) according to your situation.
The accuracy of the tax and contribution figures is entirely the user’s responsibility. This calculator is not an official tax computation and does not replace the applicable tax regulations.
Disposable income is the income left after subtracting taxes and mandatory contributions. It is the money truly ready to spend or save. The formula: gross income − taxes − mandatory contributions. Example: Rp120,000,000 − Rp15,000,000 − Rp3,000,000 = Rp102,000,000 per year (Rp8,500,000 per month).
Disposable income = gross income − taxes − mandatory contributions. Enter your total annual gross earnings, total annual taxes (for example income tax), and total annual mandatory contributions (for example social insurance premiums); the calculator then computes the remainder per year and per month.
They are different. Disposable income = income after taxes and mandatory contributions. Discretionary income = disposable income minus spending on basic necessities (the budgeting/BEA definition), or AGI minus 150% of the federal poverty line (the U.S. Department of Education definition for education loans). Do not mix the two up when comparing calculators.
Take-home pay and net salary are everyday terms with meanings close to disposable income: money received after deductions. The difference with this calculator: it does not compute taxes automatically — you enter your own tax and contribution figures, so it works for Indonesia as well as other countries.
The 50/30/20 rule is designed around spendable income, i.e. disposable income — not gross income. Using gross makes each category’s target too large because part of the gross is never actually received. Example from Rp102,000,000 disposable: needs Rp51,000,000, wants Rp30,600,000, savings Rp20,400,000 per year.
Savings rate = (disposable income − expenses) ÷ disposable income. Example: (Rp102,000,000 − Rp80,000,000) ÷ Rp102,000,000 = 21.57%. Mathematically, this ratio rises when disposable income rises or expenses fall.
Commonly included are income tax (for example income tax in Indonesia) and mandatory contributions (for example Indonesian BPJS Health and BPJS Employment premiums). Exact amounts follow the tax rules and social security programs that apply to you — you are responsible for the accuracy of the figures you enter.
No. This calculator is only an educational tool for understanding how gross income becomes disposable income and how it can be allocated. The results are not financial advice, not a recommendation of financial products, and not an official tax computation.
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